Motorcycle Insurance: Does It Cover Riders?

Motorcycle riders need specialized policies to protect their ride and themselves from various financial difficulties. However, what happens if they add a passenger to their ride? This factor complicates their policies and causes many types of struggles. Thankfully, we at Miao Insurance Services can help to protect Pleasanton, CA motorcycle riders from this type of passenger-based problem.

What Your Policy Will Cover for Riders

When you buy a motorcycle insurance policy, you should look for an extra coverage option is known as “guest passenger liability” coverage. This option is designed to cover any potential problems caused by your rider, such as if they distract you or grab the handlebars as you’re trying to ride. 

However, most motorcycle insurance policies will also cover medical expenses and other financial issues for many riders if you cause the accident. For example, if you crash and your passenger is injured, the liability coverage should help pay for their medical recovery options. 

It is essential to understand that these coverage options will vary based on your insurance company and the policy you buy. In California, most policies must be as comprehensive as possible. Still, some policies provide only strict liability coverage, meaning you may end up paying for anything that a passenger causes during your ride. So consider upgrading your policy. 

Finding an Option That Works for Your Pleasanton, CA Ride 

If you live in California and want a high-quality motorcycle insurance policy that works for your financial needs, seriously consider contacting us at Miao Insurance Services to learn more. We work with many people in the Pleasanton area and strive to create policies that make sense for your needs. And we’ll give you a strong understanding of what your policy covers and what it does not, ensuring that you are properly covered.